Totally agree with your points here, especially about how easy it is to overlook the fine print. One thing I'd add from my experience is to always che...

Good points, but if bankruptcy's in the picture, I'd prioritize credit improvement before jumping in. Even a few months boosting your credit score can...

True, loans are predictable, but don't underestimate the long-term impact of interest rates. Grants might have strings, but saving thousands in intere...

Nice job handling that. I've found the same thing—being clear, respectful, and backing it up with solid data usually gets results. Like you said: S...